Collection account deleted from EQ and TU, remains on EX

[hyp0luxa]

So about 2 years ago I disputed this account online as 'Not Mine' (I know, I know), and it was successfully deleted from EQ and TU. It remains on EX until 8/2015. My question is, if I send a DV letter to the CA, could that possibly trigger the account to show up on EQ and TU again? I have no records for this account, but I'm fairly certain that the DOFD was earlier than they are reporting.

 

I'm tempted to just file a CFPB complaint as I just had a great success with them on EX with Child Support; however, I am hesitant to push the envelope. Any advice?

[nysbadmk8]

I would file a CFPB with EX, stating the other Two CRA'S failed to verify whatever they magically verified. List DOFD as incorrect.

 

Worked for me w/ Equifax.

[hyp0luxa]

I feel like the CFPB route may come back to bite me somehow, as it was too easy and I'm hesitant to push my luck. Just last week I filed DOFD complaints against EX and EQ about a child support account with no supporting docs. I've been battling that account for years and they both deleted like butter. Is there any potential downside to using the CFPB route?

[nysbadmk8]

No.

 

Ive filed 9 CFPB complaints in the last month. (3 for the same stupid account)

[hyp0luxa]

EX is a slippery one. They responded to my CFPB complaint for the child support account, "This account is not currently on your credit report". Of course, they deleted it 3 days ago. Hopefully it doesn't pop up again. I feel like if they say they deleted it, I have better ammo if it gets re-inserted.

 

Anyway I was waiting for the official result on my prior complaint before filing a new one, which I just did today. Let's see what happens.

 

I made sure to include in my CKS complaint that EQ and TU deleted right away. Once this thorn in my side is gone, I have 2 more set to fall off next month then I'm clean as a whistle!

Edited March 19, 2014 by hyp0luxa

[hyp0luxa]

Update on CKS Financial. Filed CFPB complaint 3/19. EX responded with 30 days to investigate message. Today the account has been deleted from my report. They haven't responded on the CFPB portal though. Looks good.

[amandal0514]

Very nice. I'm getting tempted to do similar with 2 of my baddies on EX.